The Chase Sapphire Most popular® Card (see charges and charges) is broadly thought of among the finest journey bank cards available on the market — even profitable TPG’s finest journey rewards card award for seven straight years on the TPG Awards.
In case you do not already carry this prized card, now is a superb time so as to add it to your pockets because it’s at present providing a tremendous welcome bonus — extra on that under.
Let’s soar into the important thing perks of the Chase Sapphire Most popular and why it must be your first — or subsequent — rewards bank card.
Nice Welcome bonus worth
The Chase Sapphire Most popular is at present providing a limited-time welcome bonus of 100,000 Final Rewards factors after spending $5,000 throughout the first three months of account opening.
When redeeming for journey at a hard and fast worth (1.25 cents apiece), these 100,000 Chase Final Rewards factors are price $1,250 by means of the Chase Final Rewards portal, the place you may e-book flights, accommodations and rental vehicles.
Nonetheless, our March 2025 valuations peg the present welcome supply at a formidable $2,050 — if you happen to redeem your factors by way of Chase’s 11 airline and three lodge companions that mean you can switch the factors to their respective loyalty applications at a 1:1 ratio.
Associated: A high journey card contender: Chase Sapphire Most popular bank card assessment
Terrific rewards charges
Since its launch in 2009, the Chase Sapphire Most popular has supplied bonus rewards on journey and eating purchases, overlaying every little thing from Uber rides and parking charges to meals supply companies.
Chase revamped bonus classes and advantages that make the Sapphire Most popular extra aggressive than ever earlier than. Now, cardholders can earn:
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- 5 factors per greenback spent on journey booked by means of Chase Journey℠ (excluding lodge purchases that qualify for the $50 Final Rewards anniversary lodge credit score)
- 5 factors per greenback spent on Lyft purchases (by means of Sept. 30, 2027)
- 5 factors per greenback spent on eligible Peloton Bike, Tread and Row purchases over $150 (as much as 25,000 whole factors by means of Dec. 31, 2027)
- 3 factors per greenback spent on eating
- 3 factors per greenback spent on choose streaming companies and on-line groceries
- 2 factors per greenback spent on all different journey purchases
- 1 level per greenback spent on all different purchases
At your account anniversary, you may additionally accrue 10% of your whole card spending within the type of factors. Every level represents $1 spent on the cardboard, so if you happen to spent $10,000 on the Sapphire Most popular in a single 12 months, you’d obtain 1,000 factors again.
The classes and bonus advantages enable cardholders to earn bonus factors on all travel-related purchases and on a regular basis purchases past simply the welcome supply.
Associated: Why you may wish to pay the $95 annual payment on the Chase Sapphire Most popular
Redeem your factors for optimum worth
It doesn’t matter what sort of card person you’re, there are methods to get stable worth out of your Final Rewards factors.
This consists of Amazon purchases, Apple merchandise and present playing cards. Whereas these redemption choices will yield between 0.8 and 1 cent per level in worth, there are a lot higher methods to stretch your factors when utilizing them for journey.
Your best possibility is to e-book journey instantly by means of Chase Journey since factors are price a flat 1.25 cents every.
In case you’re in search of to get most worth out of your factors, although, you may wish to switch them to considered one of Chase’s airline or lodge switch companions.
Sometimes, you may get probably the most out of your factors whenever you switch them to companions like Southwest Speedy Rewards, Air Canada Aeroplan and World of Hyatt. In some instances, transfers make it as a way to even exceed TPG’s March 2025 valuation of two.05 cents per level.
Associated: From worldwide enterprise class to home hops: 6 of the perfect Chase Final Rewards candy spots
Unmatched journey advantages and protections
The worth of the Chase Sapphire Most popular does not cease at incomes and redeeming factors. While you pay in your journey bills along with your card, you may be armed with complimentary journey protections and advantages that would prevent tons of (or hundreds) of {dollars}.
Perks and protections that include the Chase Sapphire Most popular imply you may put together for and embark in your journey with peace of thoughts.
Annual $50 lodge assertion credit score
Obtain a $50 assertion credit score as soon as per 12 months whenever you e-book a lodge reservation by means of Chase Journey.
Major automotive rental insurance coverage
Cardholders obtain major automotive rental insurance coverage, which covers the whole loss, harm or theft of a rental automotive with out going by means of an insurance coverage firm.
Misplaced baggage reimbursement
Cardholders obtain as much as $3,000 per coated traveler for the fee to restore or exchange checked or carry-on baggage that’s misplaced, broken or stolen throughout a coated journey.
Journey delay reimbursement
Cardholders additionally obtain journey delay reimbursement. In case your flight, prepare or different frequent service journey is delayed greater than 12 hours otherwise you require an in a single day keep on account of a delay, you are coated for unreimbursed bills comparable to meals and lodging as much as $500 per ticket. (And sure, we have examined this perk out, and it actually works.)
Journey cancellation/journey interruption insurance coverage
In case your journey is lower brief or interrupted by illness, extreme climate or different coated conditions, the Sapphire Most popular additionally gives protections in these areas. You’ll be able to recoup as much as $10,000 per particular person (as much as a most of $20,000 per journey) for pay as you go, nonrefundable journey bills comparable to airplane tickets, accommodations and excursions.
Baggage delay insurance coverage
Cardholders obtain baggage delay insurance coverage, which covers as much as $100 per day for as much as 5 days for necessities when checked baggage is delayed by greater than six hours.
Different advantages
Different notable advantages embody no international transaction charges, making this card appropriate to be used at dwelling and overseas. This may prevent from having to pay between 2.7% and three% on purchases made outdoors of the U.S.
You will additionally have the ability to entry journey and emergency help and roadside help.
Associated: Your information to Chase’s journey insurance coverage protection
Life-style perks
Chase has a number of distinctive partnerships that transcend the journey realm that Sapphire Most popular cardholders can take pleasure in.
DoorDash DashPass
Cardholders have complimentary entry to not less than one 12 months of DoorDash DashPass, which usually prices $9.99 per thirty days. You will get decrease service charges and free supply on orders over $12. When you activate your DashPass profit, it is legitimate by means of Dec. 31, 2027.
Buying Protections
Cardholders obtain prolonged guarantee safety, which extends the producer’s guarantee by one 12 months and covers as much as $10,000 per merchandise and as much as $50,000 per account.
Moreover, cardholders obtain buy safety which covers purchases made on their card inside 120 days towards loss, theft or harm as much as $500 per merchandise and as much as $50,000 per account.
Associated: Chase Sapphire Most popular advantages you might not find out about
Chances are you’ll not qualify for the Sapphire Most popular later
In case you’re not satisfied but, this is one other huge cause you might wish to apply for the Chase Sapphire Most popular sooner slightly than later: the notorious Chase 5/24 rule.
In case you’ve opened 5 or extra new private bank cards up to now 24 months throughout all banks — not simply with Chase — it is a close to certainty that you just will not be accredited for the Sapphire Most popular (or one other client Chase card).
Consequently, if you wish to reap the benefits of the welcome bonus and the opposite perks that include the Chase Sapphire Most popular, it is a good suggestion so as to add it to your pockets earlier than transferring on to different playing cards.
Equally, if you happen to’ve acquired a welcome bonus from the Chase Sapphire Reserve® (see charges and charges) within the final 48 months or nonetheless have a Sapphire Reserve open, you’ll not be eligible for the Sapphire Most popular’s welcome bonus.
Backside line
The Chase Sapphire Most popular is unmatched when it comes to worth and affordability. With a $95 annual payment, there are numerous methods to justify this value, whether or not it is the additional profitable limited-time welcome bonus, ongoing rewards or complimentary journey protections that guarantee peace of thoughts in your travels.
Apply right here: Chase Sapphire Most popular Card
Associated: Greatest Chase playing cards
